Total Assets
$1.7B
Total balance-sheet footings
FDIC Cert #4506 · Sioux City, Iowa · Est. 1884
The Security National Bank of Sioux City, Iowa - FDIC Bank Health Profile
A community-scale look at The Security National Bank of Sioux City, Iowa's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.7B
- Total assets
- A
- Health grade · Excellent
- 1.55%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Security National Bank of Sioux City, Iowa earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.38% Tier 1, profitable at 1.55% ROA, efficient (56% cost ratio).
- #673
- largest of 4,313 FDIC banks by assets
- 84th
- percentile by asset size, nationally
- 12.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 76th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Security National Bank of Sioux City, Iowa's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Security National Bank of Sioux City, Iowa's composite health score
Tier 1 Capital Ratio (12.38%) 35/40
Return on Assets (ROA) (1.55%) 25/25
Texas Ratio (2.31%) 20/20
Efficiency Ratio (55.70%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$26M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Security National Bank of Sioux City, Iowa ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Security National Bank of Sioux City, Iowa's score of 92/100 falls in the highlighted band.
The Security National Bank of Sioux City, Iowa's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Security National Bank of Sioux City, Iowa's $1.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.38%
Texas Ratio
2.31%
Equity Capital
$200M
Profitability metrics
Return on Assets (ROA)
76th percentile nationally
1.55%
Return on Equity (ROE)
13.40%
Efficiency Ratio
55.70%
What the numbers say about The Security National Bank of Sioux City, Iowa
The Security National Bank of Sioux City, Iowa is an FDIC-insured institution (Certificate #4506) headquartered in Sioux City, Iowa, established in 1884. It holds $1.7B in total assets - 673rd of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $1.1B in net loans. On safety, its Tier 1 capital ratio of 12.38% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.31% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, The Security National Bank of Sioux City, Iowa ranks 18th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$77M
Interest Income
$24M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Security National Bank of Sioux City, Iowa reports a Texas Ratio of 2.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Security National Bank of Sioux City, Iowa (FDIC Cert #4506) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is The Security National Bank of Sioux City, Iowa's health grade?▼
The Security National Bank of Sioux City, Iowa receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Security National Bank of Sioux City, Iowa?▼
The Security National Bank of Sioux City, Iowa holds $1.7B in total assets and $1.3B in deposits, ranking 673rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sioux City, Iowa.
Is my money safe at The Security National Bank of Sioux City, Iowa?▼
Yes, deposits at The Security National Bank of Sioux City, Iowa (Certificate #4506) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Security National Bank of Sioux City, Iowa's Tier 1 Capital Ratio?▼
The Security National Bank of Sioux City, Iowa has a Tier 1 Capital Ratio of 12.38%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Security National Bank of Sioux City, Iowa?▼
The Security National Bank of Sioux City, Iowa has a Texas Ratio of 2.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Security National Bank of Sioux City, Iowa?▼
The Security National Bank of Sioux City, Iowa has an Efficiency Ratio of 55.70%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Security National Bank of Sioux City, Iowa's profile as a depositor or analyst.
- The Security National Bank of Sioux City, Iowa's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Security National Bank of Sioux City, Iowa against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.